Forget credit cards, overdrafts and pay day debt. We top up when you earn less!
100,000+ downloads
About SteadyPay - Smart Money Loans
SteadyPay - Smart Money Loans is a finance app developed by SteadyPay Limited.
Download Statistics
SteadyPay - Smart Money Loans has been downloaded 260 thousand times. In the last 30 days, the app was downloaded 4.6 thousand times.
User Ratings
The app has no ratings yet.
App Information
SteadyPay - Smart Money Loans is FREE to download. The APK download size is 34.93 MB. The latest version available is 9.0.17. The last update was on July 3, 2026.
Technical Requirements
SteadyPay - Smart Money Loans requires Android 5.0+ or higher. The app has a content rating of Everyone. The app has been available on Google Play December 2018.
Description
We top you up when you are paid less than usual. No interest or hidden charges. Plus credit building and extra cash when you need it the most.
With SteadyPay you can enjoy regular pay, helping you to stay in control of your budgeting, start saving and be on top of your bank balance. SteadyPay provides you with a safety net, so you need not worry about cash and can instead focus on what is important for you.
Unlike other lenders or banks, we do not charge any interest as we believe in positive, honest and fair finance for everyone. Building your trust is important for us, so we do not charge any hidden fees either. You only ever pay a £7 weekly subscription. Benefit from access of up to £1,000 credit capital reserved for topping up your salary / pay through our automated service.
Repayments are spread into instalments – you get a clear and simple fixed repayment plan. All repayments go to refreshing your credit for the next top-up. We pause instalments if you receive another pay that is below usual, and offer you another top-up and a brand new instalment plan. This way we keep on ‘smoothing out’ your pay.
With the app on your phone, you can: - Apply to get approved and become a customer. - Securely and safely establish a read-only connection to your main current bank account (this enables SteadyPay to work out your usual pay and to automatically check if your pay is due a top-up). - Self service - manage your top-ups and track instalment plan. - View your balance report. - Make optional repayments using your debit card. - Receive notifications. - Contact our best in class customer support. - Cancel the service (you will need to repay your balance first).
Important information: - When you apply, we do a credit check. However, we use our expert internal system to evaluate your score, which allows us to extend our service to more customers than traditional lenders or banks. - To be eligible for top-up offers, you must have paid the subscription for two weeks. If you are employed by a SteadyPay partner, you may eligible earlier. - All top-up offers are subject to confirmation of employment status and ongoing affordability assessment.
SteadyPay is the UK’s leading fintech. We are regulated and authorised by the Financial Conduct Authority (FCA) for Consumer Credit, number 789333. SteadyPay’s offering is a is a personal credit running account (revolving credit) designed to continually top up your payments over the course of the year (and beyond). It is not a short-term payday loan or payslip advance.
Representative APR 36.4% and other details below - based on borrowing £1,000 in top-ups. Total cost for this loan would be an annual subscription of £364 as we do not charge interest or other fees, and you are not at risk of paying more than the top-ups you opt to receive.
Minimum repayment period – 3 months Maximum repayment period – 18 months Maximum Annual Percentage Rate (APR) – 36.4%
A representative example of the total cost of the loan Total amount of credit £1,000 Repayment period 3 months Total subscription fees £91 (£7 per week) Total interest fees £0 Total other fees £0 Total monthly payment £363.7 Total amount payable £1,091 Representative cost 36.4%
Recent changes: Bug fixes and security improvements.
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Comments on SteadyPay - Smart Money Loans for Android
★★★★★Jerry Jhurry· May 8, 2025
Very user-friendly app, subscribed and a small top up was available easy. Thank you Steady Pay.
★★★★☆Zey· May 7, 2026
Really cool app and Team, Anna was exceptionally helpful and polite in getting me signed up. Thank you!
★★★★★Mark· Jul 15, 2025
Awesome customer service especially from Simona who dealt with my issue immediately and without fuss.
★★★★★Paul Jones· Aug 28, 2025
Had issue today with my bank after HSBC app not working. Spoke on chat with Simone, she immediately reassured me and problem I had was rectified. What a wonderful experience to deal with Simone. Very professional and couldn't fault the service I received. Simone is a great asset to your team at steady pay. WELL DONE
★☆☆☆☆DOV· Jul 29, 2025
Useless, 1st week I get paid Less, I Receive top Up that's fine, Next week I get less as well I get paid 5 days ago, and they send me a message if I want to top up I need to make repayment of £45, I been with them 5 years So what's the point then from this app? And especially saying make a repayment 5 days after pay day.....
★★☆☆☆Dylan Bloore· Jan 28, 2026
Been a customer for years, would be 5* but today's experience ruined it. Decided to pay of my remainder loan early to grant access to the full next one. System takes my money in seconds and now for the last 3hrs the app refuses to load stating" can't refresh feed". So can't access the funds im entitled too. Shut down the app, deleted cache, reinstalled / installed. Good idea, awful execution
★☆☆☆☆Anne Cordner· Nov 28, 2025
Won't let me log in. I've uninstalled and installed it several times but just goes back to the sign-up ot log in page
Google Play Rankings for SteadyPay - Smart Money Loans
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